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Home > Patients & Visitors > Billing & Financial Assistance > Financial Assistance Program
If you’re unable to pay your Essentia Health medical bills, ask about options for financial assistance.
You may benefit from the Essentia Health Financial Assistance Program if you:
Need help paying for your prescriptions? Talk to a pharmacy coordinator about financial help available for medications. Call your local Essentia pharmacy to learn more.
The Financial Assistance Program provides a discount on eligible medically necessary services provided by Essentia Health. It is not an insurance program, and certain services and providers are not covered.
Your discount is based on your household income. You may be eligible for a discount of:
Refer to the table below to see current income and asset guidelines.
Poverty Income Guidelines
100% Coverage(If income is not more than:)
*Add $4,480 for each additional household member.
If you do not have health insurance, Essentia will first apply the Uninsured Patient Discount to any qualifying services. Then, we’ll use the Financial Assistance Program income-based discount on the remaining balance, if you qualify for the program.
After enrolling in the Financial Assistance Program, your discount may remain in effect for 12 months after enrollment.
Download, complete, and submit an application [PDF] for the Essentia Health Financial Assistance Program. Spanish application [PDF].
Please submit application and supporting documents to Essentia Health, BSC Financial Assistance, 400 E 3rd St, Duluth MN 55805 or email to FinancialAssistanceAppinfo@EssentiaHealth.org.
You’ll receive notification of your eligibility within 30 business days of Essentia receiving your completed application.
If you experience a severe illness or injury and your medical bills are greater than $5,000.00 you may qualify for Essentia Health’s Catastrophic Discount. The program is for households with an income above 200 percent of the federal poverty level who have exhausted all other payment options.
Review our full Financial Assistance Program Policy [PDF].
If you’re not eligible for the Financial Assistance Program, ask us about other programs that may help you pay your medical bills, such as short-term payment plans and long-term, zero-interest financing.
To speak with a patient account representative, email us or call 218-786-3333, option 2 or 1-800-985-4675, option 2. Monday – Wednesday, Friday 8 am to 5 pm and Thursday 9 am to 5 pm.